Reporting Fraud and Scams

What is insurance fraud?

American Public Life Insurance Company (APL) defines fraud as, "An intentional misrepresentation of facts fabricated with the intent of deceiving or cheating another."

APL recognizes insurance fraud exists in the insurance industry. It's the policy and mission of the company to strive to protect our customers through the employment of an effective and diligent Anti-Fraud program. Our Special Investigation Unit (SIU) takes a proactive approach in our detection and investigation of fraud and abuse. 

SIU's Mission

It's the mission of APL's SIU to protect the company, our customer and to aid in the reduction of dollars lost due to fraud by:

• Preventing, detecting and deterring fraud
• Investigating and reporting suspected or known fraudulent activity
• Maintaining compliance with all state anti-fraud requirements
• Educating APL colleagues in recognizing fraud indicators in the job they perform
  
  

Reporting Scams

Occasionally, we receive reports of phone calls, sweepstakes notices, checks or emails that appear to be from American Public Life Insurance Company but are not authorized by us. 

Scam phone calls from one or more individuals

The phone call claims to be from the Federal Trade Commission or another legitimate entity and informs recipients they have won a prize from a Charitable Foundation, which is usually a legitimate company as well. APL is mentioned in this verbal exchange.

Scam letters